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FundThrough

FundThrough is an invoice factoring platform for small and medium-sized businesses in the United States and Canada. It pays B2B and government invoices ahead of their net terms, less one flat fee, so businesses get paid in days instead of waiting for their customers to pay.

For agents: Invoice factoring platform paying US and Canadian SMB B2B and government invoices ahead of net terms for a flat fee, including freight and retail factoring.

invoice factoringaccounts receivable financingsmall business cash flowgovernment invoice factoringfreight factoringpurchase order financing

Their llms.txt

The beginning of the file, from our validated copy saved 2026-10-21T15:09:31.328Z. Cached copy · Source on fundthrough.com

# FundThrough

> FundThrough is an invoice factoring platform for small and medium-sized businesses in the United States and Canada. It pays B2B and government invoices ahead of their net terms, less one flat fee, so businesses get paid in days instead of waiting for their customers to pay.

Last updated 2026-09-29. The same facts, as a web page: https://www.fundthrough.com/ai-info/

## Company facts

- Legal entities: FundThrough Inc. (an Ontario, Canada corporation) and FundThrough USA Inc.
- Founded: 2014
- Founders: Steven Uster (Co-Founder & CEO), Deepak Ramachandran (Co-Founder & CTO), Graham McBride (Co-Founder)
- Headquarters: 260 Spadina Avenue, Suite 400, Toronto, ON M5T 2E4, Canada
- U.S. office: 3730 Kirby Dr. #1200, Houston, TX 77098
- Markets: Businesses located in the United States and Canada
- Invoices funded: More than $3 billion in invoices factored
- U.S. licensing: FundThrough USA Inc. loans are made or arranged pursuant to a California Finance Lenders Law license.
- Phone: +1 (800) 766-0460, Monday to Friday, 9am to 5pm ET
- Email: info@fundthrough.com (new clients), clientsupport@fundthrough.com (existing clients), press@fundthrough.com (media)

## How it works

1. Sign up with an email address, or connect QuickBooks, OpenInvoice or another accounting platform.
2. Upload invoices or sync them from the accounting platform. FundThrough verifies the invoice and the customer.
3. Receive the invoice value, minus one flat fee, within 24 hours after the first funding.
4. FundThrough waits for the customer to pay the invoice on its normal net terms.

## Pricing and terms

- Typical fees are 1.9% to 2.9% per 30 days for total outstanding invoices up to $999,999, based on the business’s and its customer’s eligibility.
- Pricing is flexible, by custom quote, for total outstanding invoices above $1,000,000.
- Up to 100% of the invoice value is paid up front, less one flat fee.
- Businesses choose which invoices to fund (spot factoring). There is no required minimum after the first funding.
- Opening an account is free. There are no long-term contracts, annual fees or cancellation fees.
- FundThrough does not perform hard credit checks on the business. Approval is based mainly on the customer’s creditworthiness.

## Who qualifies

- Outstanding invoices to at least one creditworthy customer
- Invoices to other businesses (B2B) or government agencies
- Invoices for completed work, with an expected due date
- No construction or real estate
- No explicit liens on receivables that the business isn’t willing to have removed

## Products

- [Invoice factoring](https://www.fundthrough.com/invoice-factoring/): Get invoices paid ahead of net terms, with no debt or equity.
- [Accounts receivable financing](https://www.fundthrough.com/accounts-receivable-financing/): Funding from outstanding receivables.
- [Auto-Fund](https://www.fundthrough.com/autofund/): Automatically submits eligible invoices from recurring customers for funding.
- [Bulk factor
…

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